Who is eligible to apply for the Swasthya Sathi Scheme?

The Swasthya Sathi Scheme is exclusively for permanent residents of West Bengal. To be eligible, applicants must not already be receiving health benefits under any other government-sponsored public health scheme. Additionally, salaried individuals who already have access to medical benefits provided by their employers are not eligible for this scheme.

What are the key benefits offered under the Swasthya Sathi Scheme?

The scheme offers comprehensive health insurance coverage of ₹5 lakh per family annually, covering both secondary and tertiary care. This includes treatment for pre-existing diseases, without any limit on the number of family members, and even extends to in-laws and physically challenged dependents. One of its biggest benefits is that it is entirely cashless and requires no premium payment from the beneficiaries, as the full cost is borne by the state government.

How can someone apply for the Swasthya Sathi Scheme online?

To apply, one must visit the official Swasthya Sathi website and select the “Apply Online” option. The applicant needs to fill out Form B and upload all required documents such as Aadhaar Card, SECC ID, proof of residence, family photographs, and a mobile number. After submission and verification, a Smart Card is issued, which allows the family to avail of cashless medical services.

What is the purpose of the Smart Card under this scheme?

The Smart Card is a key component of the Swasthya Sathi Scheme. It includes the beneficiary’s biometric details, family information, and SECC ID, enabling cashless treatment in empanelled public and private hospitals. It facilitates paperless transactions and provides real-time updates regarding hospitalisation, discharge, and claim status.

How does the Swasthya Sathi mobile app help beneficiaries?

The Swasthya Sathi mobile app is available on the Google Play Store and serves as a handy tool for beneficiaries to access scheme-related services. It offers detailed information about empanelled hospitals, verifies URNs, and provides healthcare service details, doctor directories, and video guides to help users navigate the scheme more easily.

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What Is The West Bengal Swasthya Sathi Scheme?

Komal Bajpai

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Updated: 28-01-2025 at 7:36 AM

What Is The West Bengal Swasthya Sathi Scheme?

The Swasthya Sathi Scheme is one of the most innovative welfare programmes launched by the West Bengal Government to enhance the state's health facilities. Since 30th December 2016, this health insurance plan permits families to avail of cashless medical facilities thus minimising the expenditure during the crucial period of an illness. It has a Smart Card and a coverage of all its people, making the quality of its services available without extra cost.

Read in-depth about this government Yojana benefits, eligibility, apply online process, and all other details.

Overview

The below-mentioned table showcases the key highlights of the Swasthya Sathi Scheme:-

Scheme Name	Swasthya Sathi Scheme
Launched By	Government of West Bengal
Launch Date	December 30, 2016
Coverage Amount	₹5 lakh per family annually
Smart Card	Includes family details, biometrics, and SECC ID
Cashless Facility	Available in empanelled public and private hospitals

What Is The Swasthya Sathi Scheme?

Swasthya Sathi Scheme is a health insurance scheme of the Government of West Bengal implemented through smart cards under which families are covered for ₹5,00,000 per annum without paying cash. It works with a Smart Card system for the paperless processing of transactions and recognises pre-existing illnesses.

Features

The main feature of the Swasthya Sathi Scheme is that it offers transparency in hospital-grade systems and also makes healthcare accessible:

Hospital Grading: Hospitals enrolled in the scheme are accredited and ranked by a specific committee.
Pre-Authorized Treatment: All medical treatments are authorised in one day which is quite speedy and effective in the authorisation of health care services.
Real-Time Health Updates: Electronic patient records are completed as soon as the patients are discharged from the hospital.
Mobile App: In the Swasthya Sathi Information through mobile application, Beneficiaries can access information through this.
SMS Alerts: The health card is blocked anytime and the beneficiaries are notified by an SMS.
Toll-Free Helpline: One is under toll-free 1800-345-5384 and is available for receiving feedback round the clock and also providing support at the same time.
Grievance Portal: Beneficiaries can post complaints or any issues they have on the internet.
Quick Claim Reimbursement: The claims are submitted to gain reimbursement from the paying source within 30 days of admission at the hospital.

Vision & Mission

Vision	Mission
To ensure that there is the right health care for every citizen of West Bengal so that they do not end up paying a lot of money on their medical bills.	The government desires to minimise this cost and at the same time enhance the quality of health care delivered for those people who rely on private hospitals where speciality exists but avail themselves of some financial problems.

To address the problem above, the government launched the Swasthya Sathi Scheme which offers free health insurance for the following categories of state project workers and volunteers: It is the Finance Department’s responsibility to shortlist potential candidates who will be granted this scheme to improve health care delivery to all.

Benefits

The main advantage of the Swasthya Sathi Scheme is the high coverage of the money and much more.

₹5 Lakh Coverage: Every family receives an insurance limit of up to INR 500,000 per annum for both secondary and tertiary treatments.
Pre-Existing Disease Cover: Any previous health complications that any candidate might have are covered.
Family Coverage: A no limit on the number of dependents, and it also covers in-laws and dependent physically challenged persons.
No Premium Cost: Beneficiaries don’t have to contribute anything because The State Government covers the entire premium.
Cashless Hospitalization: Pay costs incurred in consultation with a doctor, diagnostic tests, and drugs needed one day before hospitalisation and five days after discharge for the same ailment.

Eligibility Criteria

The main eligibility criteria of the Swasthya Sathi Scheme is that the applicant should be a resident of Bengal only. The following points will help you to find out whether you are eligible for this government scheme or not:-

The applicant should be living in West Bengal.
The applicant should not avail of any benefits from another government-sponsored public health programme.
Also, those who receive salaries with medical benefits, are not allowed.

Application Process

The below-mentioned steps help you to register and apply for the Swasthya Sathi Scheme successfully. After getting the official site of this government scheme, do the following steps:-

Step 1: Go to the official Swastija Sathi website.

Step 2: Click on Apply Online and complete Form B for registration.

Step 3: It would be necessary to scan up the necessary documents and send the application in.

Step 4: At the end of the enrollment process, you will receive a Smart Card.

Documents Required

The below-mentioned points contain the names of documents required for the Swasthya Sathi Scheme starting from a valid ID Card and other certificates such as:-

Aadhaar Card.
SECC ID.
Proof of Residence.
Family Photographs.
Mobile Number

How to Check The Status Of A Hospital's Registration under the Swasthya Sathi Scheme?

The Below mentioned steps help you to check the status of the hospital’s registration under the Swasthya Sathi Scheme:-

Step 1: Check the official hospital registration status page.

Step 2: Enter your mobile number.

Step 3: The status will be displayed.

What Is Swasthya Sathi App

Swasthya Sathi App is a mobile application for Play Store which can be downloaded from Google Playstore. It provides how members can easily obtain information on the scheme and/or access scheme-specific services.

The App Feature

The Swasthya Sathi App offers the following features:-

Details of the empanelled hospitals.
Information about the range of health care services and offers.
Verification of URN.
Doctor information and video guide.

Conclusion

The Swasthya Sathi Scheme is the health insurance scheme which put into action to wipe out the health sector and make it accessible for the residents of West Bengal. Providing cashless treatment and easy registration it makes sure that no family is left exposed during such disasters.

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